Would you like to stop overpaying and find low-cost insurance rates in San Diego, CA? San Diego buyers have options when searching for the best price on Ford Transit Connect insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to make rate comparisons. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to price shop coverage for a new or used Ford and get the lowest price.
It’s astonishing, but the vast majority of consumers kept buying from the same company for over three years, and almost 40% of drivers have never quoted insurance rates at all. With the average insurance premium being $1,847, American drivers could cut their rates by 46.5% a year just by getting comparison quotes, but they feel it’s too difficult to find lower-cost insurance by shopping around.
It’s a good habit to price shop coverage on a regular basis because insurance prices change quite often. If you had the lowest rates on Ford Transit Connect insurance in San Diego a few years ago you can probably find a better rate quote now. There is a lot of bad information regarding Transit Connect insurance on the internet, but in a few minutes you can learn some good information on how to lower your insurance rates in San Diego.
If you have a current auto insurance policy or are just looking to switch companies, you will benefit by learning to cut your premiums and still have adequate protection. Our objective is to help educate you on how to compare rates easily and some tricks to saving. Smart shoppers just need to learn the most time-saving way to buy auto insurance instantly.
These discounts can lower your auto insurance quotes
Auto insurance companies don’t necessarily list all discounts very clearly, so below is a list some of the more common and also the lesser-known discounts that you may qualify for.
- Buy New and Save – Buying a new car instead of a used Transit Connect is cheaper due to better safety requirements for new vehicles.
- Multi-car Discount – Having multiple vehicles on a single policy can get a discount for every vehicle.
- Service Members Pay Less – Having a deployed family member can result in better prices.
- Passive Restraint Discount – Factory air bags or motorized seat belts can get savings of up to 25% or more.
- Auto/Home Discount – When you combine your homeowners and auto insurance with one insurance company they may give you a discount of at least 10% off all policies.
A little disclaimer on discounts, some of the credits will not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way.
Car insurance companies who may offer some of the above discounts include:
If you need cheaper San Diego auto insurance quotes, ask every company which discounts you may be entitled to. Savings might not be offered in your area. For a list of auto insurance companies that offer discounts in California, click this link.
The companies shown below have been selected to offer price quotes in California. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get the lowest price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $288 | $564 | $450 | $26 | $134 | $1,462 | $122 |
| Transit Connect XLT 2WD | $378 | $686 | $578 | $34 | $174 | $1,850 | $154 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price information does not factor in specific garaging location which can alter coverage prices considerably.
Raise deductibles and save
The chart below shows how different deductible levels and can raise or lower Ford Transit Connect insurance costs for each different age category. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied.
Ford Transit Connect annual premiums for males versus females
The example below compares Ford Transit Connect insurance premiums for male and female drivers. The price estimates are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, single marital status, and no other discounts are factored in.
Choosing deductibles
When shopping for auto insurance, a common question is how high should your deductibles be. The comparison tables below outline the price difference of buying low and high deductibles. The first table uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Transit Connect XLT 2WD | $332 | $686 | $442 | $26 | $132 | $1,643 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Transit Connect XL 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Transit Connect XLT 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can alter price quotes noticeably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $41 more each month or $492 each year than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 22 months between claims, you would save money if you decide on a higher deductible.
How to determine when to raise deductibles
| Average monthly premium for $100 deductibles: | $137 |
| Average monthly premium for $1,000 deductibles (subtract): | – $96 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One thing to note is that a higher deductible results in more money out-of-pocket when you file a claim. That will force you to have enough disposable savings in the event you need to pay the higher deductible.
Informed Decisions Result in Lower Insurance Costs
Many factors are considered when you get your auto insurance bill. A few of the factors are predictable such as traffic violations, although some other factors are less apparent like your vehicle usage or your commute time. It’s important that you understand a few of the rating criteria that help determine the level of your policy premiums. If you have some idea of what influences your rates, this allows you to make good choices that may reward you with much lower annual insurance costs.
The following are a few of the “ingredients” used by your company to calculate your prices.
- Too many policy claims and you’ll pay more – If you’re an insured who likes to file claims you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance companies in California generally give discounts to drivers who only file infrequent claims. Your car insurance is intended to be relied upon for larger claims.
- Cheaper insurance rates for prior coverage – Going without insurance is a sure-fire way to pay more for insurance. In addition to paying higher premiums, failure to provide proof of insurance may earn you fines and jail time.
- Big city or small town – Having an address in a rural area is a positive aspect when it comes to insurance. Fewer drivers and short commutes corresponds to lower accident rates as well as less vandalism and auto theft. City drivers regularly have traffic congestion and higher rates of accident claims. Longer commute distances means higher likelihood of an accident.
- Get hitched and pay lower premiums – Being married may save some money on your policy. Having a significant other means you’re more stable financially it has been statistically shown that drivers who are married are more cautious.
You are unique and your insurance should be too
When quoting and comparing the best insurance coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining if your situation would benefit from an agent’s advice.
- Am I covered when driving in Canada or Mexico?
- Does coverage follow the driver or the vehicle?
- Why am I required to get a high-risk car insurance policy?
- How much cheaper are high deductibles?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Why am I required to buy high-risk coverage?
- Is pet coverage available?
- Where can I find high-risk insurance?
- Are rock chip repairs covered?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.
Exclusive or independent insurance agents
Some people would rather get advice from a local agent and that is a personal choice. Insurance agents are highly skilled in risk management and help you file claims. One of the great benefits of getting free rate quotes online is you may find better rates and still have a local agent.
Once you complete this simple form, your coverage information gets sent to insurance agents in San Diego who can give free rate quotes for your insurance coverage. You won’t even need to drive around because quoted prices will be sent immediately to your email address. If for some reason you want to compare prices from a specific company, just jump over to their website and submit a quote form there.
Selecting an provider is decision based upon more than just the premium amount. These are some valid questions you should ask.
- What kind of financial rating does the company have?
- Does the company have a local claim office in San Diego?
- How is replacement cost determined on your vehicle?
- How often do they review policy coverages?
- Will the agent or a CSR service your policy?
When finding an insurance agent, it’s important to understand the types of agencies and how they are distinctly different. Agents are either independent agents or exclusive agents. Both types of agents can do a good job, but it’s important to know how they are different since it can affect buying decisions.
Exclusive Agents
These agents have only one company to place business with and examples are State Farm, Allstate, or Farmers Insurance. These agents are unable to place coverage with different providers so you might not find the best rates. Exclusive insurance agents are highly trained on their company’s products and that enables them to sell even at higher rates. Some people will only use the same exclusive agent mainly due to the prominence of the brand rather than low price.
The following is a short list of exclusive insurance agencies in San Diego willing to provide rate quotes.
- Mike Foley – State Farm Insurance Agent
5210 Balboa Ave, Ste A1 – San Diego, CA 92117 – (858) 277-1400 – View Map - Mike Morrell – State Farm Insurance Agent
2207 Garnet Ave a – San Diego, CA 92109 – (858) 273-3001 – View Map - Bob Francy III – State Farm Insurance Agent
11885 Carmel Mountain Rd #905 – San Diego, CA 92128 – (858) 451-1915 – View Map
Independent Auto Insurance Agencies
These type of agents are not employed by any specific company and that enables them to quote your coverage with an assortment of companies and get you the best rates possible. If prices rise, your agent can just switch to a different company which is easy for the insured. If you need cheaper auto insurance rates, you definitely need to check rates from at least one independent agent so that you have a good selection of quotes to compare. A lot of them also have access to smaller companies which could offer lower prices.
The following is a list of independent agencies in San Diego that are able to give comparison quotes.
- Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map - Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map - Anchor General Insurance Agency-Texas
10256 Meanley Dr – San Diego, CA 92131 – (858) 527-3600 – View Map
Three reasons to not skimp on insurance
Despite the high insurance cost for a Ford Transit Connect in San Diego, paying for insurance is most likely required but also gives you several important benefits.
- Almost all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your Ford, it’s guaranteed your bank will force you to have comprehensive coverage to protect their interest in the vehicle. If you do not keep the policy in force, the bank or lender will purchase a policy for your Ford for a much higher rate and force you to pay the higher price.
- Insurance protects your vehicle and your assets. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers legal expenses if you cause an accident and are sued. If you have damage to your Ford as the result of the weather or an accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of insuring your Transit Connect greatly outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying over $869 every year so compare rates every year to ensure rates are competitive.
Quote more to save more
When buying insurance coverage, never reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest cost, not the least amount of coverage.
The cheapest Ford Transit Connect insurance in San Diego is available on the web and with local San Diego insurance agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers provide coverage only through independent agents.
Drivers switch companies for a variety of reasons including policy cancellation, not issuing a premium refund, questionable increases in premium and high prices. No matter why you want to switch, choosing a new company is actually quite simple.
For more information, take a look at the articles below:
- How to Avoid Common Accidents (State Farm)
- Who Has the Cheapest San Diego Car Insurance Quotes for a Nissan Rogue? (FAQ)
- How Much are Car Insurance Quotes for a Honda Accord in San Diego? (FAQ)
- Who Has Affordable Car Insurance Quotes for Teenage Females in San Diego? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)